Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Union Bank & Trust Mobile vs ESL Mobile Banking

Union Bank & Trust Mobile 4.9★ · Free to download 60
Winner ESL Mobile Banking
ESL Mobile Banking 4.8★ · Free to download 65

ESL Mobile Banking has a slight edge over Union Bank & Trust Mobile due to fewer critical issues with core banking functions, despite both apps suffering from recent performance and loading problems.

Full reviews: Union Bank & Trust Mobile · ESL Mobile Banking

Both Union Bank & Trust Mobile and ESL Mobile Banking receive mixed reviews, with many users praising their convenience for basic banking tasks but recent updates have introduced significant performance and reliability issues for both. ESL Mobile Banking appears to have fewer critical feature failures compared to Union Bank & Trust Mobile's reported problems with Zelle and bill payments.

Head to head

Features edge: ESL Mobile BankingR2R4R5R8
Union Bank & Trust Mobile Union Bank & Trust Mobile users appreciate the ability to view funds and manage accounts, with some noting specific benefits for UNL students and promotional savings accounts R2R5R8. However, several users report major issues with the Zelle function, stating it rarely populates or crashes R4R13R38R57. There are also complaints about the lack of budgeting features and difficulties with bill payment functionality, including no sorting or search for payees .
ESL Mobile Banking ESL Mobile Banking users find the app convenient for managing accounts, paying credit cards, and making mobile deposits . However, a significant number of recent reviews highlight issues with member-to-member transfers being down for extended periods . Some users also wish for pending income transactions to be shown and report problems with mobile deposit image processing .
Ease of Use tieR3R8R9R19
Union Bank & Trust Mobile Many Union Bank & Trust Mobile users find the app easy to navigate and user-friendly for reviewing accounts and making changes R8. However, some recent updates have made the app harder to use, with complaints about payments taking too long to process and information not being saved for quicker payments R3R9R19.
ESL Mobile Banking ESL Mobile Banking is praised by many for being easy to use and navigate, allowing users to manage banking at their fingertips . However, recent updates have introduced issues where the app requires restarting multiple times to access accounts or load balances, making it less convenient .
Reliability tieR1R4R6R7
Union Bank & Trust Mobile Union Bank & Trust Mobile suffers from significant reliability issues, with frequent reports of the app being slow, taking a long time to load transactions or balances, and often crashing R1R4R6R7. Users also experience problems with logging in, being locked out, and updates causing infinite loops or restricted access R10.
ESL Mobile Banking ESL Mobile Banking also has notable reliability problems, particularly after recent updates. Many users report that the app often fails to load accounts or balances, requiring multiple restarts . Some users mention the app shutting down or having issues with mobile deposit pictures .
Price/Value tieR5R26R62R68
Union Bank & Trust Mobile Union Bank & Trust Mobile is free to download. Users mention a sign-up bonus for UNL students and a promotional Money Market Account with a 3.45% interest rate, indicating good value for certain offerings R5. However, one user complained about an extra $5 fee for making a payment when the website was down R26.
ESL Mobile Banking ESL Mobile Banking is also free to download. Reviews focus on the convenience and service provided by the bank, with no specific pricing or value complaints or praises related to the app itself R62R68.
Support edge: ESL Mobile BankingR10R11R13R26
Union Bank & Trust Mobile Union Bank & Trust Mobile users report significant issues with customer support, including inability to reach support, lack of help for being locked out, and unhelpful advice R10R11R13R26. One user mentioned that chat could be fixed to limit screen size .
ESL Mobile Banking ESL Mobile Banking users mention that staff cannot support online banking issues . There's also a complaint about difficulty communicating by phone, especially in Spanish .
Pick Union Bank & Trust Mobile if

you are a UNL student looking for specific student benefits and promotional savings accounts, and are willing to tolerate potential issues with app reliability and Zelle functionality R5.

Pick ESL Mobile Banking if

you prioritize basic account management and mobile deposits, and are prepared to deal with occasional loading issues and a persistent review pop-up .

Evidence note: Both apps have a high lifetime rating but recent reviews for both are significantly more negative, indicating a decline in user satisfaction, likely due to recent updates introducing performance and reliability issues. The free-to-download nature means users are quick to voice frustrations without a financial investment.

Frequently asked

Do these apps have issues with Zelle?
Union Bank & Trust Mobile has significant issues with Zelle, with users reporting that the Zelle page rarely populates, crashes, or kicks them out of the app R4R13R38R57. ESL Mobile Banking reviews do not mention Zelle issues, but some users wish they didn't have to use Zelle for transfers .
Are there problems with the apps loading or crashing?
Yes, both apps have significant problems with loading and crashing, especially after recent updates. Union Bank & Trust Mobile users report the app being extremely slow, often refusing to log in, and crashing frequently R1R6R7R16. ESL Mobile Banking users also frequently report that the app does not load accounts or balances, requiring multiple restarts to function .
Is customer support helpful for these banking apps?
Customer support for Union Bank & Trust Mobile is frequently criticized, with users unable to reach support, receiving unhelpful advice, or being locked out of their accounts for extended periods R10R11R13R26. ESL Mobile Banking users also report that staff cannot support online banking issues and that phone communication can be difficult .

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R2] Union Bank & Trust Mobile 5/5 · US Bank app: This is an amazing app it allows me to look at my funds on my phone which is very useful
  2. [R4] Union Bank & Trust Mobile 2/5 · US App Issues: The app is alright for checking balances and transferring money, but other functions there seems to be a major hiccup. Whenever I try to use the Zelle function, the page rarely populates. This happens on both mobile and desktop. I moved around to different MiFis and tried a hardline connection to try and eliminate network issues, but I can rarely get the Zelle page to populate; it just
  3. [R5] Union Bank & Trust Mobile 4/5 · US Great for UNL: This app is great for UNL students, especially with the sign-up bonus! The savings accounts are lacking quite a bit after graduation, but I really like their current 12-month promotional “Money Market Account” that has an interest rate of 3.45%, which is the highest for non-CD accounts. I’ll likely be looking elsewhere for a long-term high-yield savings account, but otherwise this
  4. [R8] Union Bank & Trust Mobile 5/5 · US Easy: Works great for us, easy to make changes and review accounts !! Wish all apps were this user friendly .
  5. [R3] Union Bank & Trust Mobile 3/5 · US Payment takes too long to be processed.: I did setup automatic payment every month but every time I tried to pay extra $100 to the principal account before the deadline they generated it as regular payment and I don’t like it.
  6. [R9] Union Bank & Trust Mobile 3/5 · US Payments: It’s takes several days for account payments to update
  7. [R19] Union Bank & Trust Mobile 4/5 · US Mobile app: This app is good, just wish it was easier to make a payment and information was saved so it was quicker and easier.
  8. [R1] Union Bank & Trust Mobile 2/5 · US Slow: Extremely slow when loading transactions or account balances.
  9. [R6] Union Bank & Trust Mobile 3/5 · US Good UI, but WiFi problems: Easy to use- however, oftentimes gives me prompts that the internet isn’t sufficient and refuses to log in, even though I have a perfectly good internet connection
  10. [R7] Union Bank & Trust Mobile 1/5 · US The app is always down: The app has issues almost every week and becomes inaccessible. Really frustrating.
  11. [R26] Union Bank & Trust Mobile 1/5 · US Terrible bank: Website doesn’t work but have to make a payment today. So of course there is a an extra $5 fee. Get it together and the customer service is subpar. No one knows anything or how to help. Avoid this bank if you can
  12. [R62] ESL Mobile Banking 5/5 · US Great: This bank is very helpful and accommodating.
  13. [R68] ESL Mobile Banking 5/5 · US Love it: Love the people always there to greet you when you come in I also love that they keep your information private and I like that they are real Bank it’s not fake I recommend ESL to you It’s so way to start a new life.
  14. [R10] Union Bank & Trust Mobile 1/5 · US Ubt moblile: This is the worst banking institution ever. I have been locked out of my account for three weeks. I have no idea how much money has gone negative, and I don’t know what to do.
  15. [R11] Union Bank & Trust Mobile 5/5 · US Bad: App down for six hours, no customer support
  16. [R13] Union Bank & Trust Mobile 1/5 · US Zelle: Zelle app has lot of problems, app crashes when we open directly, when we tried a payment it went on hold and asked to contact customer support but unable to reach customer support. Totally disappointed
  17. [R38] Union Bank & Trust Mobile 1/5 · US Cannot use Zelle: The app is really bad. Whenever I try to use Zelle through the app, it kicks me out. Super inconvenience!
  18. [R57] Union Bank & Trust Mobile 5/5 · US Zelle: I love the ease of the app. I wish I knew how to access Zelle while using it. I’ve been having to leave the app and go to ubt.com to use Zelle.
  19. [R16] Union Bank & Trust Mobile 1/5 · US Garbage: Crashed out, continues to crash out, low grade app from low grade state 👎🏼

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store